Vitals
  • Total Assets
    1.0B 7.3 %
  • Total Deposits
    835.0M 6.1 %
  • Total Net Loans
    732.1M 7.6 %
  • Net Income
    9.6M 7.5 %
  • Book Value
    120.3M 7.8 %
  • Book Value x2
    240.6M 7.8 %
  • Book Value x3
    360.9M 7.8 %
ROAA

.955

ROAE

8.206

Efficiency Ratio

65.668

Net Interest Margin

3.934

Balance Sheet Highlights
Financial Highlights 1St Constitution Bank All Insured Commercial Banks in New Jersey
Balance Sheet $(000)
Total Assets 1,038,213 941,236
Total Net Loans 732,143 666,560
Total Deposits 835,006 782,459
Total Equity 120,305 105,130
Profitability
Net Income 9,566 8,451
Return on Average Assets .955 .672
Return on Average Equity 8.206 6.44
Net Interest Margin 3.934 3.432
Efficiency Ratio 65.668 74.417
Noninterest Income/Revenue 14.097 18.002
Balance Sheet Ratios
Loan-to-Deposit 87.681 86.355
Securities/Assets .222 .113
Total Equity/Total Assets .116 .112
Tangible Equity/Tangible Assets .103 .102
Capital Adequacy
Tier 1 Common Capital 108,606 95,604
Tier 1 Capital 108,606 95,771
Tier 2 Capital 7,494 8,179
Total Capital 116,100 103,980
Total Risk Weighted Assets 895,604 734,206
Leverage Ratio 10.68 9.818
Common Equity Tier 1 Capital Ratio 12.13 13.154
Tier 1 Capital Ratio 12.13 13.207
Total Capital Ratio 12.96 14.399

Timeline for 1St Constitution Bank

Rumson-Fair Haven Bank And Trust Company

Acquisition: 1St Constitution Bank acquired a new subsidiary, Rumson-Fair Haven Bank And Trust Company, 10 years

View Profile Feb 08 2014

1St Constitution Bancorp

1St Constitution Bancorp became a new parent organization for 1St Constitution Bank.

View Profile Jul 01 1999

1St Constitution Bank

1St Constitution Bank was established 35 years ago and is currently headquartered in Cranbury, NJ.

Jul 24 1989
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Rumson-Fair Haven Bank And Trust Company Seller 230,314 Acquisition Discontinued 2/8/2014
Relationships Role Relationship Start Relationship End
1St Constitution Bancorp Parent 7/1/1999
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